Harper vs Vouch

Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. ^8,13

Vouch is a business insurance broker and risk advisor for growing companies. Its customers include startups and established businesses in technology, healthcare and life sciences, professional services, and financial services. Buyers can start an application online and work with advisors to arrange coverage. ^19,24,25

Harper’s privacy policy says it does not currently offer health or life insurance. The life qualification on its Georgia agency license does not establish that a life product is available through Harper. ^3,4

Harper advertises general and professional liability, commercial property and auto, cyber, garage liability, umbrella coverage and bonds. Its coverage directory also lists workers’ compensation, equipment, liquor liability, medical malpractice and product liability; the intake selector includes a business owner’s policy combining property and liability. ^1,7

Harper’s security page includes armed guards, event security and mobile patrol businesses. It describes liability for guard actions and professional negligence alongside equipment and vehicle protection. The page does not supply the insurer or policy wording for a particular security operation. ¹¹

Harper also arranges license, permit, contract, dealer, court and fiduciary bonds. Its bond page explains that the buyer may have to repay amounts the bond company pays on a claim. Ask for the bond and indemnity agreement—the repayment promise—when reviewing this part of a proposal. ¹²

The reviewed product pages are coverage summaries. They do not provide a specimen policy tied to a named insurer, state and form edition from which to establish common limits, deductibles or exclusions. Ask for the actual forms and endorsements, which change or add to the policy. ^7,9,11

Vouch lists technology errors and omissions, cyber liability, directors and officers, general liability, workers’ compensation, employment practices liability, key person, crime, product liability and umbrella coverage for technology companies. The list describes options, not a package that automatically includes every line. ²⁵

A public Corix Cyber and E&O application names United Specialty Insurance Company and offers selectable cyber, errors and omissions, and media liability coverage. Its first page describes claims-made liability coverage and says defense costs reduce the available limit unless the policy is endorsed otherwise. ³³

Corix’s other documented programs include management liability with directors and officers, employment practices and fiduciary options, and a commercial package with general liability, property, hired and non-owned auto, and employee benefits liability options. ^34,35

The reviewed Vouch pages and Corix materials did not establish a complete current policy form, endorsement set or insurer-by-product schedule for a new Vouch buyer. Ask for those documents with the proposal, especially when a quoted policy comes from a different insurer or program. ^{21,26,32,34,35,33,45}

Corix’s cyber/E&O page describes system-failure business interruption and a form combining professional and technology E&O. It also warns that social engineering, AI activities and intellectual-property disputes can have conditions, sublimits or exclusions. ³²

Corix’s management liability page describes an option to use defense counsel outside its panel, subject to conditions such as sharing costs. Crisis-management expenses have sublimits, and pre-claim assistance is an optional extension with its own terms. ³⁴

The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. ¹

The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. ⁶

Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. ³

The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. ³

Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. ²

Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. ¹³

Vouch’s public application starts with your legal business name, website, business address and location type, followed by your role and contact details. There is a separate sign-in path for an existing application or policy. ²⁴

Vouch says its platform presents carrier options together, with differences in coverage, exclusions, endorsements and pricing explained by advisors. The reviewed pages do not promise a fixed number of quotes or a search of every insurer. ²⁶

Vouch says many technology companies can arrange coverage within days, with smaller programs sometimes completed in minutes. Those are company timing claims. Its buying guide says coverage requires binding confirmation and the effective date, with underwriting and payment conditions satisfied. ^25,27

Harper Partners advertises a payment of 50% of Harper’s commission to an appropriately licensed referring agent, paid 60 days after the account settles. It says the underlying commission varies by coverage line, premium and carrier. The percentage is a share of commission, not a discount on the buyer’s premium. ¹⁵

The reviewed Harper pages do not disclose a buyer-facing schedule of brokerage fees or account-specific commission rates. Its statement that partner agents can join for free does not establish that buying insurance through Harper carries no fees. Request an itemized total, including premium, taxes, fees and any financing charges. ^15,17,9,2

Vouch Specialty earns commissions on insurance sales and may also receive compensation based on the performance of the products sold. Its disclosure invites questions about compensation on a specific proposal or placement; it does not publish a commission percentage. ²⁰

Vouch may pass through credit-card, debit-card or ACH transaction fees where permitted. Its disclosure lists wire and check as alternatives and says premium financing may be offered through Slash Eureka, Inc., doing business as Ascend, or an affiliate. ²⁰

For workers’ compensation, Harper says it helps classify payroll by the work employees perform and prepares information for premium audits. Its cost FAQ identifies payroll, job categories and claims history as pricing factors. An audit can reconcile the information used to price the policy; Harper’s service description is not a promise that your premium cannot change. ^10,18

Under that referral program, Harper says it owns the account and handles quoting, placement, servicing, renewals and claims; the referring agent has no servicing duties. Its separate wholesale page offers white-label options. If another agent introduces you, clarify which arrangement applies and who will be your ongoing contact. ^15,14

Harper’s public portal entry page advertises access to certificates, policies, payments and application status. Sign-in uses the email address associated with a Harper invitation; the page directs customers without an invitation to its service team. Features behind sign-in were not tested. ¹⁶

Harper describes ongoing policy management and annual coverage reviews. Its messaging terms list reminders about renewals, billing and premium finance, along with communications about changes and certificates. These service descriptions do not specify a guaranteed renewal price or a commitment to re-shop every policy. ^17,2

Vouch offers a complimentary coverage review that it describes as identifying gaps and comparing a program with industry peers. It also offers reviews of insurance requirements in leases, customer agreements and funding arrangements. ^36,37

Vouch says customers can request certificates of insurance through their account and include a third party in the request. A certificate summarizes insurance; the policy and any required endorsements determine that third party’s actual coverage. ^38,39

Vouch says it coordinates documentation, communication and renewal cycles across carriers. Its renewal guide asks buyers to prepare updated financials, claims history and business changes, starting 30–60 days before renewal. That is preparation guidance, not a guaranteed service timetable or automatic renewal commitment. ^26,40